Takeaway Insurance – What Is Covered?
Takeaway insurance policies provide a single solution for fast food operators covering all your requirements under-one-roof. Core cover provides protection for business contents, fixtures and fittings (such as catering equipment and commercial kitchens) and stock.
In addition, the fast food policy will provide cover for your key legal liabilities, public liability, products liability and employers liability insurance. Extensions and further benefits include: money cover; signage, glass and shop front; legal expenses and business interruption for loss of profits following a claim.
Is Takeaway Insurance Compulsory?
The only areas of cover legally required to operate a takeaway are motor insurance, in respect of any vehicles used in connection with the business, and employers liability insurance. Employer liability provides cover for compensation claim awards and defence costs following injury or illness to employees as a result of their employment with your takeaway – for example, a shelf collapses onto one of your team in the stock room and breaks their arm.
Local authorities are also likely to request proof of public liability insurance as part of the licensing approval process. Public liability provides indemnity for claims received from customers, or members of the public, for injury or damage to property as a result of actions by you, or a member of staff, in connection with your business.
Compare Fast Food Insurance Quotes
At Insync we provide cover for takeaway businesses of all shapes and sizes throughout the UK. Our dedicated insurance advisors make it their business to understand your specific risks and requirements.
We can compare prices and cover from up to 10 of the UK’s leading takeaway insurers saving you time as well as money!